| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INSURANCE3 Filed as: AMERICAN WESTBROOK LLC | 4 WESTBROOK CORP CTR, STE 500 WESTCHESTER, IL 60154 | BLUECROSS BLUESHIELD OF ILLINOIS | $60K | $9K | $69K | 2.23% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS SERVICE | FOUR WESTBROOK CORP CTR., STE 500 WESTCHESTER, IL 60154 | DEARBORN NATIONAL LIFE INS CO | $12K | $7K | $19K | 12.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC | 206 JEFFERSON ST., STE 200 CHICAGO, IL 60661 | DEARBORN NATIONAL LIFE INS CO | — | $8K | $8K | 5.82% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS SERVICES | 4 WESTBROOK CORP CENTER SUITE 500 WESTCHESTER, IL 60154 | ADVANTICA ADMINISTRATIVE SERVICES INC | $10K | — | $10K | 9.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON SUITE 200 CHICAGO, IL 60661 | ADVANTICA ADMINISTRATIVE SERVICES INC | $5K | — | $5K | 5.00% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS SERVICES | FOUR WESTBROOK CORP CTR, STE 500 WESTCHESTER, IL 60154 | GUARDIAN | $2K | $1K | $3K | 11.56% |
| TERRANCE BYRNE3 | 206 SOUTH JEFFERSON CHICAGO, IL 60661 | ASSURITY LIFE INSURANCE CO | $5K | — | $5K | 20.38% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS SERVICES | 4 WESTBROOK CORPORATE CTR, STE 500 WESTCHESTER, IL 60154 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 591 | $3.1M |
| Dental(2 contracts, 2 carriers) | ADVANTICA ADMINISTRATIVE SERVICES INC | 282 | $135K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $18K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INS CO | 429 | $170K |
| Short-term disability | ASSURITY LIFE INSURANCE CO | 65 | $27K |
| Long-term disability | DEARBORN NATIONAL LIFE INS CO | 429 | $143K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INS CO | 429 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.